SprayPay is a "Buy Now, Pay Later" (BNPL) payment method available in the Netherlands. It provides consumer financing at the point of sale, both online and in physical stores, for purchases ranging from €250 to €5,000. Customers undergo a quick credit check and, if approved, can split their payment into 12, 18, 24, or 36 monthly installments. SprayPay is not an independent company but a trade name of Santander Consumer Finance S.A., a major global financial institution, operating through its branch in the Netherlands. This backing provides the regulatory framework and financial stability for the consumer credit services offered under the SprayPay brand.

Founded in

Netherlands